| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUART DUNKLE3 Filed as: STUART M MIGDON | 1909 JOSEPH COURT WOODBRIDGE, NJ 07095 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $108K | $108K | 4.68% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $11K | $11K | 9.02% |
| STUART DUNKLE3 Filed as: STUART M MIGDON | 900 US HIGHWAY 9 N STE 503 WOODBRIDGE, NJ 070951003 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 8.68% |
| MITCHELL RUCKO3 | PO BOX 25 KINGSTON, NJ 08528 | AFLAC | $3K | — | $3K | 9.69% |
| ANDREA FORD3 | 26 MOUNTAIN CT BEDMINSTER, NJ 07921 | AFLAC | $2K | $47 | $2K | 8.14% |
| JOSHUA PAUL GROUP INC3 | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $818 | $12 | $830 | 2.87% |
| ANTHONY G COLLINCINI3 Filed as: ANTHONY COLLINCINI | 165 WOOLLEY CT OAKHURST, NJ 07755 | AFLAC | $277 | — | $277 | 0.96% |
| KEVIN J NIEDERAUER3 Filed as: KEVIN NIEDERAUER | 22 NASHAWAY DR RINGOES, NJ 08551 | AFLAC | $224 | — | $224 | 0.77% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | AFLAC | $223 | — | $223 | 0.77% |
| DREW PELLEGRINO3 | 2774 SAM SNEAD ST WEST MELBOURNE, FL 32904 | AFLAC | $157 | — | $157 | 0.54% |
| DYLAN FRANCIS MONTEFORTE3 Filed as: DYLAN MONTEFORTE | 13 EAGLE NEST RD COLTS NECK, NJ 07722 | AFLAC | $148 | — | $148 | 0.51% |
| CHRISTINE MARIE SCHOENFELD3 Filed as: CHRISTINE SCHOENFELD | 34 WALNUT CIR BASKING RIDGE, NJ 07920 | AFLAC | $112 | $9 | $121 | 0.42% |
| ANTHONLY CAVALLARO3 | 1 BAY CLUB DR APT 4A BAYSIDE, NY 11360 | AFLAC | $86 | — | $86 | 0.30% |
| MICHAEL P ZILINSKI3 Filed as: MICHAEL ZILINSKI | 1633 WASHINGTON BLVD APT 4E STAMFORD, CT 06902 | AFLAC | $78 | — | $78 | 0.27% |
| MICHAEL TUMMINELLI3 | 238 BIRCH LN FORKED RIVER, NJ 07712 | AFLAC | $65 | — | $65 | 0.22% |
| DESARNO BENEFITS LLC3 | 729 RAYMERE AVE INTERLAKEN, NJ 07712 | AFLAC | $34 | — | $34 | 0.12% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK RD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $18 | — | $18 | 0.06% |
| DANIELLE PAGNOTTA3 | 12 S DAVENPORT ST SOMERVILLE, NJ 08876 | AFLAC | $9 | — | $9 | 0.03% |
| JESSICA REID3 | 36 ANDOVER AVE PLAINFIELD, NJ 07062 | AFLAC | $8 | — | $8 | 0.03% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $5 | — | $5 | 0.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $1 | — | $1 | 0.00% |
| BRAIN LEYPOLDT3 | 67 ALLISON PL EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $1 | — | $1 | 0.00% |
| ANTHONLY COLLINCINI3 | 165 WOOLLEY CT OAKHURST, NJ 07755 | AFLAC | $77 | — | $77 | 2.03% |
| DREW PELLEGRINO3 | 2774 SAM SNEAD ST WEST MELBOURNE, FL 32904 | AFLAC | $77 | — | $77 | 2.03% |
| JOSHUA PAUL GROUP INC3 | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $72 | — | $72 | 1.90% |
| KEVIN J NIEDERAUER3 Filed as: KEVIN NIEDERAUER | 22 NASHAWAY DR RINGOES, NJ 08551 | AFLAC | $47 | — | $47 | 1.24% |
| DYLAN FRANCIS MONTEFORTE3 Filed as: DYLAN MONTEFORTE | 13 EAGLE NEXT RD COLTS NECK, NJ 07722 | AFLAC | $41 | — | $41 | 1.08% |
| NORMAN PINHAS3 | 2A LONSTREET RD MONROE TOWNSHIP, NJ 08831 | AFLAC | $32 | — | $32 | 0.84% |
| ANDREA FORD3 | 26 MOUNTAIN CT BEDMINSTER, NJ 07921 | AFLAC | $29 | — | $29 | 0.76% |
| ANTHONY CAVALLARO3 | 1 BAY CLUB DR APT 4A BAYSIDE, NY 11360 | AFLAC | $24 | — | $24 | 0.63% |
| MICHAEL P ZILINSKI3 Filed as: MICHAEL ZILINSKI | 1633 WASHINGTON BLVD APT 4E STAMFOD, CT 06902 | AFLAC | $20 | — | $20 | 0.53% |
| JESSICA REID3 | 36 ANDOVER AVE PLAINFIELD, NJ 07062 | AFLAC | $5 | — | $5 | 0.13% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 192 | $2.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 360 | $121K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 360 | $121K |
| Life insurance(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 360 | $154K |
| Short-term disability(2 contracts) | AFLAC | 31 | $33K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 192 | $2.3M |
| Other(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 360 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.